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AIG Direct Final Expense Life Insurance Review

AIG Direct
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Michael Graw
Apr. 11, 2024
2 min read
Michael Graw
AIG Direct Summary
AIG Direct is a leading insurance agency that offers a wide variety of life insurance policies from top-rated carriers. You can choose from Term Life Insurance with term lengths of up to 30 years or a Guaranteed Issue Whole Life Insurance policy for final expense coverage. AIG Direct sells life insurance policies online, as well as through licensed agents over the phone. Guaranteed Issue Whole Life policies are a dependable option for seniors.

AIG Direct at a glance

Editorial score

Coverage type

Offers either term or whole life insurance. Term life can be for up to 30 years.

Customization of policies

Customizable rates

Customer services and support

Multiple communication options, ability to speak to an agent

Online experience

Online fast application, learning resources, access to rates before application

Direct insurer?


AIG Direct AIG Direct Visit Site

Who Can Benefit From AIG Direct? 

AIG Direct offers a wide range of life insurance policies. From traditional term life insurance to permanent life insurance options, which includes a product specifically for seniors, Guaranteed Issue Whole Life Insurance. 

Guaranteed Issue Whole Life insurance, also known as final expense insurance, offers coverage amounts from $5,000 to $25,000. This product provides guaranteed acceptance for consumers between 50-80 regardless of your health conditions, and no medical exam is required.  Guaranteed Issue Whole Life policies include living benefits at no extra cost, and are a dependable option for seniors looking to help cover expenses like medical bills, credit card debt, or funeral and burial costs that can help protect loved ones from future financial burdens. 

Application Process

You can apply for an AIG Direct Guaranteed Issue Whole Life Insurance policy online through AIG Direct or over the phone with a licensed AIG Direct insurance agent. Guaranteed Issue Whole Life Policies require NO medical exams or health questions, and you’re covered in less than 48 hours.

Policy Types and Terms

AIG Direct offers a variety of different policies, including term and permanent policies.  For Guaranteed Issue Whole Life Insurance Policies, premiums are level (or fixed) and are guaranteed not to increase during the life of the policy.

  • $5k-$25k in Guaranteed Issue Whole Life Coverage*, starting at $21/month**
  • No Medical Exam required
  • Seniors 50-80 are offered guaranteed acceptance and cannot be turned down for health or medical reasons

*The total amount of all AGL Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate.

**Rate based on a female, age 50, $5,000 in coverage

How Safe Is It? 

AIG Direct holds an A+ rating with the Better Business Bureau.  The online application uses SSL encryption to protect your information, and all online payments are processed in a PCI-compliant manner.

Help & Support

AIG Direct offers customer support by phone and live chat from 7AM-5PM (PT) Monday-Friday.

Phone: (800) 294-4544

Bottom Line

AIG Direct is a well-established life insurance agency that offers a wide range of policies from top-rated life insurance carriers. You can select Term life insurance policies of up to 30 years and up to $10 million or more in coverage, as well as permanent policies such as Guaranteed Issue Whole Life Insurance. Most policies require a medical exam, but the Guaranteed Issue Whole Life Insurance product does not. You can apply for life insurance coverage online through aigdirect.com or over the phone with an AIG Direct life insurance agent.

Physical Address

9640 Granite Ridge Drive,

Suite 200

San Diego, CA 92123


© 2023 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. (“AIG Direct”), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company (“AGL”), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York (“US Life”). All companies above are wholly-owned subsidiaries of Corebridge Financial, Inc. AGL does not solicit, issue, or deliver policies or contracts in the State of New York. AIG Direct offers policies on behalf of affiliated and unaffiliated insurance companies. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. All prices quoted are non-binding, and the ultimate premium amount for any policy is determined by the underwriting insurance company following application. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax, or accounting advice. For advice concerning your individual circumstances, consult the appropriate professional.

AIG Direct AIG Direct Visit Site

*Rate based on a female, age 50, $5,000 in coverage

**The total amount of all AGL Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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